This year may be worthwhile to change the car insurance. But time is pressing. It is possible to change a rule, only the end of the calendar year, as most insurance contracts from 1 January to 31 December run. In these cases, the notice usually by 30 November and held by the insurance company. This works the exchange with no hassle, advises the ADAC to observe some rules:
- Compare Before changing the policy conditions and benefits. Cheap is not always good. May , the current insurer now has a new deal, which is cheaper than the existing ones. This information such as number of drivers and the annual mileage check.
- the old contract on 1 January terminate until the new one is signed and sealed. Reason: provider of liability insurance have to accept every customer and although the Police may not refuse in principle. In the partial and fully comprehensive insurance, however, are free and must also reject contracts. Therefore, drivers should check before a change if the new insurer accepts the agreement to the same extent as the current insurer.
- The letter of notice should generally be sent by registered mail / return receipt.
- Who 30 November for the termination missed getting a second chance, if the insurance premium increases, without a claim is the cause. This extraordinary right of termination of one month is, for example, if the insurance is more expensive due to a change in the type and regional categories.
- If you want to switch from fully comprehensive to partial coverage is not cheap in any case it. The reason is that the premium level of comprehensive cover is influenced by the no-claims discount, whereas in the partial coverage no-claims discount There.
The excess can be with the full insurance and the partial coverage vary. Also, the absence of a contribution is possible. Often the premium differences between the self-interests are not all that high, so in these cases a higher deductible hardly worthwhile. (Auto-Reporter.NET/sr)
of tourenfahrer.de
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